Crashes involving e-bikes can mean gray area regarding insurance coverage

Added: 2026-06-06

[00:00:03]POLICE VEHICLES TO AND HERE IN POLICE VEHICLES TO AND HERE IN POLICE VEHICLES TO AND HERE IN COLORADO, INSURANCE EXPERTS POLICE VEHICLES TO AND HERE IN COLORADO, INSURANCE EXPERTS POLICE VEHICLES TO AND HERE IN COLORADO, INSURANCE EXPERTS SAY THERE'S STILL A LOT OF COLORADO, INSURANCE EXPERTS SAY THERE'S STILL A LOT OF COLORADO, INSURANCE EXPERTS SAY THERE'S STILL A LOT OF QUESTIONS ABOUT HOW PEOPLE ON SAY THERE'S STILL A LOT OF QUESTIONS ABOUT HOW PEOPLE ON SAY THERE'S STILL A LOT OF QUESTIONS ABOUT HOW PEOPLE ON E-BIKES ARE COVERED. AND QUESTIONS ABOUT HOW PEOPLE ON E-BIKES ARE COVERED. AND QUESTIONS ABOUT HOW PEOPLE ON E-BIKES ARE COVERED. AND THAT'S ESPECIALLY TRUE WHEN IT E-BIKES ARE COVERED. AND THAT'S ESPECIALLY TRUE WHEN IT E-BIKES ARE COVERED. AND THAT'S ESPECIALLY TRUE WHEN IT COMES TO THOSE CRASHES AND WHO THAT'S ESPECIALLY TRUE WHEN IT COMES TO THOSE CRASHES AND WHO THAT'S ESPECIALLY TRUE WHEN IT COMES TO THOSE CRASHES AND WHO MAY BE RESPONSIBLE FOR THE COMES TO THOSE CRASHES AND WHO MAY BE RESPONSIBLE FOR THE COMES TO THOSE CRASHES AND WHO MAY BE RESPONSIBLE FOR THE COSTS AFTER AN ACCIDENT MAY BE RESPONSIBLE FOR THE COSTS AFTER AN ACCIDENT MAY BE RESPONSIBLE FOR THE COSTS AFTER AN ACCIDENT HAPPENS.

[00:00:15]COSTS AFTER AN ACCIDENT HAPPENS.

[00:00:15]COSTS AFTER AN ACCIDENT HAPPENS. >> LET'S GO LIVE NOW TO FOX HAPPENS. >> LET'S GO LIVE NOW TO FOX HAPPENS. >> LET'S GO LIVE NOW TO FOX THIRTY-ONE'S NATE BELL WITH >> LET'S GO LIVE NOW TO FOX THIRTY-ONE'S NATE BELL WITH >> LET'S GO LIVE NOW TO FOX THIRTY-ONE'S NATE BELL WITH MORE ON THIS ONE. MAY.

[00:00:22]THIRTY-ONE'S NATE BELL WITH MORE ON THIS ONE. MAY.

[00:00:22]THIRTY-ONE'S NATE BELL WITH MORE ON THIS ONE. MAY. >> YEAH, GUYS. RIGHT HERE IN MORE ON THIS ONE. MAY. >> YEAH, GUYS. RIGHT HERE IN MORE ON THIS ONE. MAY. >> YEAH, GUYS. RIGHT HERE IN COLORADO, E-BIKES ARE BECOMING >> YEAH, GUYS. RIGHT HERE IN COLORADO, E-BIKES ARE BECOMING >> YEAH, GUYS. RIGHT HERE IN COLORADO, E-BIKES ARE BECOMING MORE AND MORE POPULAR. THERE COLORADO, E-BIKES ARE BECOMING MORE AND MORE POPULAR. THERE COLORADO, E-BIKES ARE BECOMING MORE AND MORE POPULAR. THERE ARE LITERALLY THOUSANDS OF MORE AND MORE POPULAR. THERE ARE LITERALLY THOUSANDS OF MORE AND MORE POPULAR. THERE ARE LITERALLY THOUSANDS OF THEM ON THE ROAD AROUND THE ARE LITERALLY THOUSANDS OF THEM ON THE ROAD AROUND THE ARE LITERALLY THOUSANDS OF THEM ON THE ROAD AROUND THE STATE NOW BECAUSE THE BIKE IS THEM ON THE ROAD AROUND THE STATE NOW BECAUSE THE BIKE IS THEM ON THE ROAD AROUND THE STATE NOW BECAUSE THE BIKE IS NOT JUST THE BIKE. IT'S ALSO A STATE NOW BECAUSE THE BIKE IS NOT JUST THE BIKE. IT'S ALSO A STATE NOW BECAUSE THE BIKE IS NOT JUST THE BIKE. IT'S ALSO A MOTORIZED VEHICLE. THERE'S A NOT JUST THE BIKE. IT'S ALSO A MOTORIZED VEHICLE. THERE'S A NOT JUST THE BIKE. IT'S ALSO A MOTORIZED VEHICLE. THERE'S A LOT OF QUESTIONS ABOUT MOTORIZED VEHICLE. THERE'S A LOT OF QUESTIONS ABOUT MOTORIZED VEHICLE. THERE'S A LOT OF QUESTIONS ABOUT INSURANCE THAT COME UP AROUND LOT OF QUESTIONS ABOUT INSURANCE THAT COME UP AROUND LOT OF QUESTIONS ABOUT INSURANCE THAT COME UP AROUND THEM. AND ONE INSURANCE EXPERT INSURANCE THAT COME UP AROUND THEM. AND ONE INSURANCE EXPERT INSURANCE THAT COME UP AROUND THEM. AND ONE INSURANCE EXPERT SAYS THAT BECAUSE YOU'RE A THEM. AND ONE INSURANCE EXPERT SAYS THAT BECAUSE YOU'RE A THEM. AND ONE INSURANCE EXPERT SAYS THAT BECAUSE YOU'RE A DRIVER AND YOU HAVE AN SAYS THAT BECAUSE YOU'RE A DRIVER AND YOU HAVE AN SAYS THAT BECAUSE YOU'RE A DRIVER AND YOU HAVE AN ACCIDENT INVOLVING A BIKE, THE DRIVER AND YOU HAVE AN ACCIDENT INVOLVING A BIKE, THE DRIVER AND YOU HAVE AN ACCIDENT INVOLVING A BIKE, THE BEST WAY TO STAY PREPARED IS ACCIDENT INVOLVING A BIKE, THE BEST WAY TO STAY PREPARED IS ACCIDENT INVOLVING A BIKE, THE BEST WAY TO STAY PREPARED IS TO MAKE SURE THAT YOU YOURSELF BEST WAY TO STAY PREPARED IS TO MAKE SURE THAT YOU YOURSELF BEST WAY TO STAY PREPARED IS TO MAKE SURE THAT YOU YOURSELF ARE PROPERLY COVERED.

[00:00:52]TO MAKE SURE THAT YOU YOURSELF ARE PROPERLY COVERED.

[00:00:52]TO MAKE SURE THAT YOU YOURSELF ARE PROPERLY COVERED. >> INSURANCE QUESTIONS AROUND ARE PROPERLY COVERED. >> INSURANCE QUESTIONS AROUND ARE PROPERLY COVERED. >> INSURANCE QUESTIONS AROUND THAT. I DON'T THINK THAT >> INSURANCE QUESTIONS AROUND THAT. I DON'T THINK THAT >> INSURANCE QUESTIONS AROUND THAT. I DON'T THINK THAT PEOPLE COMPLETELY UNDERSTAND THAT. I DON'T THINK THAT PEOPLE COMPLETELY UNDERSTAND THAT. I DON'T THINK THAT PEOPLE COMPLETELY UNDERSTAND WHETHER YOU'RE IN VEHICLE. NEW PEOPLE COMPLETELY UNDERSTAND WHETHER YOU'RE IN VEHICLE. NEW PEOPLE COMPLETELY UNDERSTAND WHETHER YOU'RE IN VEHICLE. NEW HIT ONE OF THESE OR YOU'RE ON WHETHER YOU'RE IN VEHICLE. NEW HIT ONE OF THESE OR YOU'RE ON WHETHER YOU'RE IN VEHICLE. NEW HIT ONE OF THESE OR YOU'RE ON THE E-BIKE E-SCOOTER HOW YOUR HIT ONE OF THESE OR YOU'RE ON THE E-BIKE E-SCOOTER HOW YOUR HIT ONE OF THESE OR YOU'RE ON THE E-BIKE E-SCOOTER HOW YOUR INSURER AND CAROLE WALKER WITH THE E-BIKE E-SCOOTER HOW YOUR INSURER AND CAROLE WALKER WITH THE E-BIKE E-SCOOTER HOW YOUR INSURER AND CAROLE WALKER WITH THE ROCKY MOUNTAIN INSURANCE INSURER AND CAROLE WALKER WITH THE ROCKY MOUNTAIN INSURANCE INSURER AND CAROLE WALKER WITH THE ROCKY MOUNTAIN INSURANCE INFORMATION ASSOCIATION SAYS THE ROCKY MOUNTAIN INSURANCE INFORMATION ASSOCIATION SAYS THE ROCKY MOUNTAIN INSURANCE INFORMATION ASSOCIATION SAYS THERE ISN'T AN EASY ANSWER AS INFORMATION ASSOCIATION SAYS THERE ISN'T AN EASY ANSWER AS INFORMATION ASSOCIATION SAYS THERE ISN'T AN EASY ANSWER AS E-BIKES GROW IN POPULARITY. SO THERE ISN'T AN EASY ANSWER AS E-BIKES GROW IN POPULARITY. SO THERE ISN'T AN EASY ANSWER AS E-BIKES GROW IN POPULARITY. SO 2 INCIDENTS LIKE THIS. CAUGHT E-BIKES GROW IN POPULARITY. SO 2 INCIDENTS LIKE THIS. CAUGHT E-BIKES GROW IN POPULARITY. SO 2 INCIDENTS LIKE THIS. CAUGHT ON CAMERA IN ARAPAHOE COUNTY 2 INCIDENTS LIKE THIS. CAUGHT ON CAMERA IN ARAPAHOE COUNTY 2 INCIDENTS LIKE THIS. CAUGHT ON CAMERA IN ARAPAHOE COUNTY WITH THE SHERIFF'S OFFICE SAYS ON CAMERA IN ARAPAHOE COUNTY WITH THE SHERIFF'S OFFICE SAYS ON CAMERA IN ARAPAHOE COUNTY WITH THE SHERIFF'S OFFICE SAYS A RECKLESS RIDE OR NEARLY WITH THE SHERIFF'S OFFICE SAYS A RECKLESS RIDE OR NEARLY WITH THE SHERIFF'S OFFICE SAYS A RECKLESS RIDE OR NEARLY CRASHED INTO SOMEONE'S A RECKLESS RIDE OR NEARLY CRASHED INTO SOMEONE'S A RECKLESS RIDE OR NEARLY CRASHED INTO SOMEONE'S PROPERTY. IF THAT HAPPENS, SAY CRASHED INTO SOMEONE'S PROPERTY. IF THAT HAPPENS, SAY CRASHED INTO SOMEONE'S PROPERTY. IF THAT HAPPENS, SAY ANY BIKE CRASHES IN YOUR CAR.

[00:01:23]PROPERTY. IF THAT HAPPENS, SAY ANY BIKE CRASHES IN YOUR CAR.

[00:01:23]PROPERTY. IF THAT HAPPENS, SAY ANY BIKE CRASHES IN YOUR CAR. HOUSE INSURANCE HANDLED.

[00:01:24]ANY BIKE CRASHES IN YOUR CAR. HOUSE INSURANCE HANDLED.

[00:01:25]ANY BIKE CRASHES IN YOUR CAR. HOUSE INSURANCE HANDLED. THERE'S A LOT OF GRAY AREA HOUSE INSURANCE HANDLED. THERE'S A LOT OF GRAY AREA HOUSE INSURANCE HANDLED. THERE'S A LOT OF GRAY AREA AROUND BOTH. IF YOUR FAULT AND THERE'S A LOT OF GRAY AREA AROUND BOTH. IF YOUR FAULT AND THERE'S A LOT OF GRAY AREA AROUND BOTH. IF YOUR FAULT AND YOU'RE ON A SCOOTER OR BIKE AROUND BOTH. IF YOUR FAULT AND YOU'RE ON A SCOOTER OR BIKE AROUND BOTH. IF YOUR FAULT AND YOU'RE ON A SCOOTER OR BIKE LIKE, HOW ARE YOU GOING TO PAY YOU'RE ON A SCOOTER OR BIKE LIKE, HOW ARE YOU GOING TO PAY YOU'RE ON A SCOOTER OR BIKE LIKE, HOW ARE YOU GOING TO PAY FOR YOUR FAULT? YOU HAVE LIKE, HOW ARE YOU GOING TO PAY FOR YOUR FAULT? YOU HAVE LIKE, HOW ARE YOU GOING TO PAY FOR YOUR FAULT? YOU HAVE INSURANCE AND YOU DON'T HAVE FOR YOUR FAULT? YOU HAVE INSURANCE AND YOU DON'T HAVE FOR YOUR FAULT? YOU HAVE INSURANCE AND YOU DON'T HAVE COVERAGE.

[00:01:37]INSURANCE AND YOU DON'T HAVE COVERAGE.

[00:01:37]INSURANCE AND YOU DON'T HAVE COVERAGE. >> HAPPENS IN MANY CASES IN COVERAGE. >> HAPPENS IN MANY CASES IN COVERAGE. >> HAPPENS IN MANY CASES IN THIS TIME DESPITE BEING A >> HAPPENS IN MANY CASES IN THIS TIME DESPITE BEING A >> HAPPENS IN MANY CASES IN THIS TIME DESPITE BEING A MOTORIZED VEHICLE INSURANCE IS THIS TIME DESPITE BEING A MOTORIZED VEHICLE INSURANCE IS THIS TIME DESPITE BEING A MOTORIZED VEHICLE INSURANCE IS NOT REQUIRED FOR THE RIDER MOTORIZED VEHICLE INSURANCE IS NOT REQUIRED FOR THE RIDER MOTORIZED VEHICLE INSURANCE IS NOT REQUIRED FOR THE RIDER LIKE IT IS FOR DRIVING A CAR.

[00:01:45]NOT REQUIRED FOR THE RIDER LIKE IT IS FOR DRIVING A CAR.

[00:01:45]NOT REQUIRED FOR THE RIDER LIKE IT IS FOR DRIVING A CAR. >> WALKER SAYS E-BIKES MAY LIKE IT IS FOR DRIVING A CAR. >> WALKER SAYS E-BIKES MAY LIKE IT IS FOR DRIVING A CAR. >> WALKER SAYS E-BIKES MAY FALL UNDER YOUR HOMEOWNERS >> WALKER SAYS E-BIKES MAY FALL UNDER YOUR HOMEOWNERS >> WALKER SAYS E-BIKES MAY FALL UNDER YOUR HOMEOWNERS INSURANCE. SPECIFICALLY FALL UNDER YOUR HOMEOWNERS INSURANCE. SPECIFICALLY FALL UNDER YOUR HOMEOWNERS INSURANCE. SPECIFICALLY LIABILITY COVERAGE. SO AS A INSURANCE. SPECIFICALLY LIABILITY COVERAGE. SO AS A INSURANCE. SPECIFICALLY LIABILITY COVERAGE. SO AS A WRITER AS POSSIBLE, YOU COULD LIABILITY COVERAGE. SO AS A WRITER AS POSSIBLE, YOU COULD LIABILITY COVERAGE. SO AS A WRITER AS POSSIBLE, YOU COULD BE COVERED WITHOUT KNOWING.

[00:01:52]WRITER AS POSSIBLE, YOU COULD BE COVERED WITHOUT KNOWING.

[00:01:52]WRITER AS POSSIBLE, YOU COULD BE COVERED WITHOUT KNOWING. BUT AS THE DRIVER OF THE CAR BE COVERED WITHOUT KNOWING. BUT AS THE DRIVER OF THE CAR BE COVERED WITHOUT KNOWING. BUT AS THE DRIVER OF THE CAR THAT BIKER IS UNINSURED, SHE BUT AS THE DRIVER OF THE CAR THAT BIKER IS UNINSURED, SHE BUT AS THE DRIVER OF THE CAR THAT BIKER IS UNINSURED, SHE SAYS YOUR BEST PRACTICE IS THAT BIKER IS UNINSURED, SHE SAYS YOUR BEST PRACTICE IS THAT BIKER IS UNINSURED, SHE SAYS YOUR BEST PRACTICE IS COVERING YOURSELF. IF THEY HIT SAYS YOUR BEST PRACTICE IS COVERING YOURSELF. IF THEY HIT SAYS YOUR BEST PRACTICE IS COVERING YOURSELF. IF THEY HIT YOU.

[00:02:00]COVERING YOURSELF. IF THEY HIT YOU.

[00:02:00]COVERING YOURSELF. IF THEY HIT YOU. >> UNINSURED MOTORIST COVERAGE YOU. >> UNINSURED MOTORIST COVERAGE YOU. >> UNINSURED MOTORIST COVERAGE IS LIKELY GOING TO BE YOUR >> UNINSURED MOTORIST COVERAGE IS LIKELY GOING TO BE YOUR >> UNINSURED MOTORIST COVERAGE IS LIKELY GOING TO BE YOUR BEST BET IF THEY DON'T HAVE IS LIKELY GOING TO BE YOUR BEST BET IF THEY DON'T HAVE IS LIKELY GOING TO BE YOUR BEST BET IF THEY DON'T HAVE INSURANCE. WALKER SAYS THE BEST BET IF THEY DON'T HAVE INSURANCE. WALKER SAYS THE BEST BET IF THEY DON'T HAVE INSURANCE. WALKER SAYS THE STATE REQUIRES COMPANIES TO INSURANCE. WALKER SAYS THE STATE REQUIRES COMPANIES TO INSURANCE. WALKER SAYS THE STATE REQUIRES COMPANIES TO OFFER YOU UNINSURED MOTORIST STATE REQUIRES COMPANIES TO OFFER YOU UNINSURED MOTORIST STATE REQUIRES COMPANIES TO OFFER YOU UNINSURED MOTORIST COVERAGE, BUT IT'S NOT OFFER YOU UNINSURED MOTORIST COVERAGE, BUT IT'S NOT OFFER YOU UNINSURED MOTORIST COVERAGE, BUT IT'S NOT REQUIRED THAT YOU PURCHASE IT.

[00:02:11]COVERAGE, BUT IT'S NOT REQUIRED THAT YOU PURCHASE IT.

[00:02:11]COVERAGE, BUT IT'S NOT REQUIRED THAT YOU PURCHASE IT. >> RIGHT NOW, THOUGH, SHE SAYS REQUIRED THAT YOU PURCHASE IT. >> RIGHT NOW, THOUGH, SHE SAYS REQUIRED THAT YOU PURCHASE IT. >> RIGHT NOW, THOUGH, SHE SAYS IT'S ENCOURAGED MORE THAN >> RIGHT NOW, THOUGH, SHE SAYS IT'S ENCOURAGED MORE THAN >> RIGHT NOW, THOUGH, SHE SAYS IT'S ENCOURAGED MORE THAN EVER. IT'S ALWAYS BEEN IT'S ENCOURAGED MORE THAN EVER. IT'S ALWAYS BEEN IT'S ENCOURAGED MORE THAN EVER. IT'S ALWAYS BEEN IMPORTANT TO CARRY UNINSURED EVER. IT'S ALWAYS BEEN IMPORTANT TO CARRY UNINSURED EVER. IT'S ALWAYS BEEN IMPORTANT TO CARRY UNINSURED MOTORIST COVERAGE.

[00:02:18]IMPORTANT TO CARRY UNINSURED MOTORIST COVERAGE.

[00:02:18]IMPORTANT TO CARRY UNINSURED MOTORIST COVERAGE. >> HOWEVER, NOW THERE'S MORE MOTORIST COVERAGE. >> HOWEVER, NOW THERE'S MORE MOTORIST COVERAGE. >> HOWEVER, NOW THERE'S MORE THREATS OUT THERE.

[00:02:22]>> HOWEVER, NOW THERE'S MORE THREATS OUT THERE.

[00:02:22]>> HOWEVER, NOW THERE'S MORE THREATS OUT THERE. >> WALKER SAYS INSURANCE THREATS OUT THERE. >> WALKER SAYS INSURANCE THREATS OUT THERE. >> WALKER SAYS INSURANCE REQUIREMENTS LIKE THERE ARE >> WALKER SAYS INSURANCE REQUIREMENTS LIKE THERE ARE >> WALKER SAYS INSURANCE REQUIREMENTS LIKE THERE ARE FOR DRIVERS OF A CAR UNLIKELY REQUIREMENTS LIKE THERE ARE FOR DRIVERS OF A CAR UNLIKELY REQUIREMENTS LIKE THERE ARE FOR DRIVERS OF A CAR UNLIKELY TO COME FOR E-BIKE RIDERS. SHE FOR DRIVERS OF A CAR UNLIKELY TO COME FOR E-BIKE RIDERS. SHE FOR DRIVERS OF A CAR UNLIKELY TO COME FOR E-BIKE RIDERS. SHE SAYS IT DOESN'T REALLY DO MUCH TO COME FOR E-BIKE RIDERS. SHE SAYS IT DOESN'T REALLY DO MUCH TO COME FOR E-BIKE RIDERS. SHE SAYS IT DOESN'T REALLY DO MUCH TO PUSH THE MATTER. AND SHE SAYS IT DOESN'T REALLY DO MUCH TO PUSH THE MATTER. AND SHE TO PUSH THE MATTER. AND SHE TO PUSH THE MATTER. AND SHE SAYS THAT THEY HAVE FOUND THAT SAYS THAT THEY HAVE FOUND THAT SAYS THAT THEY HAVE FOUND THAT THOSE REQUIREMENTS DON'T SAYS THAT THEY HAVE FOUND THAT THOSE REQUIREMENTS DON'T SAYS THAT THEY HAVE FOUND THAT THOSE REQUIREMENTS DON'T REALLY MAKE PEOPLE BUY THOSE REQUIREMENTS DON'T REALLY MAKE PEOPLE BUY THOSE REQUIREMENTS DON'T REALLY MAKE PEOPLE BUY INSURANCE ANYWAY, SHE SAYS IF REALLY MAKE PEOPLE BUY INSURANCE ANYWAY, SHE SAYS IF REALLY MAKE PEOPLE BUY INSURANCE ANYWAY, SHE SAYS IF YOU HAVE ANY QUESTIONS ABOUT INSURANCE ANYWAY, SHE SAYS IF YOU HAVE ANY QUESTIONS ABOUT YOU HAVE ANY QUESTIONS ABOUT YOU HAVE ANY QUESTIONS ABOUT IF YOU ARE PROPERLY